Stablepay

Stablepay is a stablecoin-powered peer-to-peer payments network purpose-built for Africa. Founded in 2025 by executives with backgrounds at Visa, Absa, and Citi, Stablepay enables seamless on-chain payments between wallets, telcos, fintechs, and financial institutions — with instant local currency settlement.

Core Products/Services

Stablepay offers two core infrastructure products for B2B partners:

Stablepay Payment API — A RESTful API that enables fintech developers and financial institutions to integrate stablecoin-to-local-currency payment rails. The API supports mobile money providers (M-Pesa and others), with endpoints to create payments, retrieve payment status, validate MoMo and bank accounts, and fetch live FX rates. Partners request an API key and access a full suite of provisioned endpoints across multiple programming language SDKs.

Stablepay Credential — An on-chain identity layer that links a human-readable credential (Stablepay ID) to a stablecoin wallet address. This allows users and businesses to send and receive USDC via a familiar, remittance-style interface — entirely on-chain. The credential resolves wallet addresses via a dedicated API endpoint (Resolve Stablepay ID), and supports transaction request creation and payment acceptance endpoints.

Key Strengths

• Africa-first design: Built specifically for African mobile money ecosystems, supporting M-Pesa and similar mobile network operator (MNO) payment rails
• Stablecoin infrastructure: Powered by USDC, enabling digital dollar transactions that settle in local currency instantly
• Multi-partner connectivity: Connects wallets, telcos (MNOs), fintechs, and financial institutions in a unified payment network
• Developer-ready: Full REST API with API key authentication, comprehensive documentation, and multi-language SDK environments
• Real-time settlement: Local currency settlements happen instantly upon stablecoin payment, removing FX volatility risk for recipients

Notable Clients/Projects

Stablepay is in early access stage (as of 2025), targeting fintechs, telcos, and financial institutions operating across Africa. The platform specifically integrates with mobile money ecosystems such as M-Pesa and supports multiple African countries and MNOs documented in the Countries and Limits API reference.

Why Choose Stablepay

Stablepay offers African fintechs and financial institutions a compliant, on-chain alternative to traditional cross-border payment rails. By combining the programmability of USDC stablecoins with familiar mobile money interfaces, it lowers integration complexity while enabling instant, low-cost cross-border and domestic payments across Africa.